Call reports 2001
COMMONWEALTH BANK AND TRUST COMPANY — 2001
What COMMONWEALTH BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 196,538,000 | 194,265,000 | 201,744,000 | 205,689,000 |
| Total loans | 130,052,000 | 133,975,000 | 132,814,000 | 132,442,000 |
| Allowance for loan losses | 1,744,000 | 1,653,000 | 1,643,000 | 1,585,000 |
| Securities available for sale | 43,808,000 | 47,678,000 | 54,517,000 | 60,813,000 |
| Securities held to maturity | 24,000 | 24,000 | 24,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,653,000 | 155,271,000 | 159,799,000 | 165,025,000 |
| Interest-bearing deposits | 138,457,000 | 139,160,000 | 143,088,000 | 150,346,000 |
| Noninterest-bearing deposits | 18,196,000 | 16,111,000 | 16,711,000 | 14,679,000 |
| Equity capital | 17,835,000 | 18,241,000 | 19,215,000 | 19,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,890,000 | 7,640,000 | 11,351,000 | 14,805,000 |
| Interest expense | 2,107,000 | 4,048,000 | 5,885,000 | 7,435,000 |
| Net interest income | 1,783,000 | 3,592,000 | 5,466,000 | 7,370,000 |
| Noninterest income | 705,000 | 1,488,000 | 2,181,000 | 3,010,000 |
| Noninterest expense | 1,519,000 | 3,072,000 | 4,610,000 | 6,250,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 969,000 | 2,008,000 | 3,037,000 | 4,130,000 |
| Income tax | 321,000 | 666,000 | 1,010,000 | 1,377,000 |
| Net income | 648,000 | 1,342,000 | 2,027,000 | 2,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,263,000 | 17,658,000 | 18,043,000 | 18,468,000 |
| Total capital | 19,007,000 | 19,311,000 | 19,686,000 | 20,053,000 |
| Risk-weighted assets | 148,836,000 | 149,505,000 | 146,309,000 | 147,310,000 |